• Accidental Death: In case of injury resulting in loss of life of the Insured within one calendar year after the date of Accident, the company will pay the Principal Sum
• Permanent Total Disability: In the event of an Injury causing a Permanent Total Disability to the Insured and such disability continues for a period of 12 consecutive months, this policy will pay compensation of maximum of 100% of the Principal Sum

Loss of sight of both eyes	100%
Loss of two entire hands or two entire feet	100%
Loss of one entire hand and one entire foot	100%
Loss of sight of one eye and such loss of one entire foot, or hand	100%
Complete loss of hearing of both ears & complete loss of Speech	100%
Complete loss of hearing of both ears or complete loss of speech and loss of one limb or loss of sight of one eye	100%

• Permanent Partial Disability: In the event of an injury causing a permanent partial disability to the Insured listed in the policy and such disability continues for a period of 12 consecutive months, this policy will pay compensation of 2% to 60% of the Principal Sum depending upon the disability.

Benefits	Percentage of (Principal Sum)
Loss of toes: all	20%
Great: both phalanges	05%
Great: one phalanx	02%
Other than great, if more than one toe lost, each	02%
Loss of hearing - both ears	60%
Loss of hearing - one ear	30%
Loss of speech	60%
Loss of four fingers and thumb of one hand	40%
Loss of four fingers	35%
Loss of thumb: both phalanges - one phalanx	25% 10%
Loss of index finger - three phalanges or two phalanges or one phalanx	10%
Loss of middle finger - three phalanges or two phalanges or one phalanx	06%
Loss of ring finger - three phalanges or two phalanges or one phalanx	05%
Loss of little finger - three phalanges or two phalanges or one phalanx	04%
Loss of metacarpals - first or second, third, fourth or fifth	03%
Sense of smell	10%
Sense of taste	05%
Sight of one eye	50%
One Hand	50%
One foot	50%

• Weekly Benefit: The policy provides weekly compensation (1% of Principal Sum for the benefit or RS5,000/-, whichever is lower for maximum 100 weeks) to the Insured in the event that the Insured is totally disabled for a temporary period due to an accident
• Medical Reimbursement: Insured will be reimbursed the cost of treatment and the use of hospital facilities for treatment of your injury. The compensation under this benefit is lower of the 40% of the admissible claim amount or 10% of the Principal Sum or the actual medical expenditure
• Education Benefit: In the unfortunate event of loss of life or permanent total disability due to accidental injury, the policy provides compensation of 10% of Principal Sum up to a maximum of RS25,000/- towards education benefit
• Modification of residential accommodation and own vehicle: Permanent Total Disability arising from an accident could sometimes demand a change in lifestyle. In order to meet these requirements Insured might have to invest or modify existing vehicle or invest in making some changes in the house (shifting to ground floor or change in staircase). Chola MS shall reimburse 10% of the Principal Sum up to a maximum of RS50,000 towards this
• Ambulance Hiring Charges (in-built cover): The Policy will be reimbursed up to RS1000 for ambulance hiring charges in the event of an accident
• Transportation of mortal remains (in-built cover): The policy reimburses up to 3% of Principal Sum up to a maximum of RS6000 to the family, towards the cost of moving mortal remains from the accident site to hospital, residence or cremation grounds
• Broken Bones: The Personal Accident Insurance from Chola MS is a unique policy that offers cover for specified fractures in the event of an accident. The Principal Sum under this can be 10% of Principal Sum under Death cover or maximum of RS50,000/-. the benefit payable is as per the percentage of sum insured specified in the policy
• The principal sum chosen could vary depending on the income of the Insured person.
• The policy is open to all age groups ranging from 6 months to 70 years
• Terrorism Coverage can be included

The actual coverage under the policy shall vary based on the covers opted by the Insured

Please refer to the Policy Wordings for the complete coverages, exclusions and
terms and conditions of the policy.

* Conditions apply.

• Intentional self injury, suicide or attempted suicide
• Caused whilst under the influence of liquor or drug
• Natural death
• Pregnancy or childbirth
• Venereal disease
• Insanity
• Violation of law
• War & nuclear perils
• Whilst in an aircraft except as a passenger

The above is an indicative list of major exclusions.

Please refer to the Policy Wordings for the complete coverages, exclusions and
terms and conditions of the policy.

* Conditions apply.